Hiv Life Cover Is Available For You

HIV is a modern disease only first diagnosed within 1982 in the USA and a 12 months later on within South Africa. The final result of HIV (AIDS) is actually non preventable and the risk of a fatal end result at an early date, following contracting HIV, was high. A lot of research has gone into the matter because and the manufacture of effective antiviral drugs has had the effect of delaying the final stage of HIV (AIDS) up to 20 years or even more, therefore, reducing the danger for insurance companies. As such, Hiv life cover has become available in the past fifteen years or so and has developed to a product, today, that is affordable.

HIV is transmitted mainly via sexual contact with an HIV positive sex partner (other ways would be the utilization of contaminated syringe needles, blood transfusions with infected blood as well as mom to child transmission)and it has three distinctive phases, i.e.: the very first phase lasting a month or even two which is the infection stage with flu like signs and symptoms and the second stage, known as the latent phase, which in untreated form can last up to 8 years but frequently lasts a shorter time period if not taken care of. Within the latent stage there is no symptom of HIV as well as blood tests clear clear of the virus, which now have settled in the immune system, where it's mutated as well as multiplied. The final stage is actually AIDS which is incurable and will ultimately lead to death through some opportunistic infection as the defense mechanisms will have been weakened to the stage where it can no longer successfully fight bacterial infections of the pneumonia type or of particular cancers. The latent stage, through the use of antiviral medicines could be lengthened up to 20 years or more, twenty five years not being uncommon. Hiv life cover, in the circumstances, has become a viable insurance coverage product and it has developed into an inexpensive product in the last years because of the medical development within the management of HIV. For more information about HIV AIDS and insurance, go to http://stayinghealthyaging.com/articleblog/tag/life-insurance/

Hiv life cover, these days, in some cases is available from less than R134 per month, which means that it's affordable to even younger people. This product, in fact, has developed to such a degree that it is available on the web without any medical tests, absolutely no long waiting period and for quantities up to R5M. This means that HIV victims are now able to look forward to a normalised life insurance situation where they are able to obtain life insurance to provide for their own families in the eventuality of their death. These types of insurance policies are available as term policies which are, for fixed intervals only, e.g. 10 or 20 years or even as full term policies that are valid for as long as the actual month-to-month fees are paid up to the date of death. Affordable Hiv life insurance being a reality calls for responsible financial behaviour on your side and subscribing to it in your long term financial planning for your family and loved ones on the event of your death. Without some financial legacy the likelihood that your family should be able to satisfy their life dreams of education and a productive life.